(a) The obligation of an indorser stated in section 3-415(a)
and the obligation of a drawer stated in section 3-414(d) may
not be enforced unless (i) the indorser or drawer is given notice
of dishonor of the instrument complying with this section or (ii)
notice of dishonor is excused under section 3-504(b).

(b) Notice of dishonor may be given by any person; may be
given by any commercially reasonable means, including an oral,
written or electronic communication; and is sufficient if it
reasonably identifies the instrument and indicates that the
instrument has been dishonored or has not been paid or accepted.
Return of an instrument given to a bank for collection is
sufficient notice of dishonor.

(c) Subject to section 3-504(c), with respect to an
instrument taken for collection by a collecting bank, notice of
dishonor must be given (i) by the bank before midnight of the
next banking day following the banking day on which the bank
receives notice of dishonor of the instrument or (ii) by any
other person within thirty days following the day on which the
person receives notice of dishonor. With respect to any other
instrument, notice of dishonor must be given within thirty days
following the day on which dishonor occurs.

Note: WV Code updated with legislation passed through the 2016 Regular Session
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